This cost-shifting isn't dollar for dollar, but all empiricalresearch shows that it adds tens of billions of dollars to consumerhealth bills, and this will accelerate if several million new patientsare added to Medicare. That means higher prices for health insurance.Adverse selection will also be a big problem, as the people whochoose to join will inevitably be higher risk or in poorer health. Mr.Reid hasn't released any details on his plan, if they even exist, butwould the sub-65 uninsured who join Medicare be subsidized? If so, inwhat sense is this one-hand-subsidizes-the-other taxpayer self-dealinga "buy-in"? It sounds simply like a huge Medicare expansion, especiallyif employers decide to drop coverage for anyone older than 55.